Financial Crime Operations Analyst – Fraud & Chargebacks

An international fintech organisation is expanding its Financial Crime Operations function in Sofia and is looking for Fraud & Chargeback Analysts. This role is critical in protecting the business and its clients from financial losses caused by fraud, while ensuring chargeback cases are managed effectively and in line with payment scheme rules.

Key Responsibilities:

• Review system-generated alerts and analyse transaction activity to detect potential fraud.

• Conduct investigations using internal systems, customer profiles and external data sources.

• Collaborate with law enforcement when required, providing information for criminal investigations.

• Process chargebacks, representments and arbitrations in line with Visa, Mastercard and Discover scheme rules.

• Ensure chargeback rebuttals are clear, well-evidenced and within required timeframes.

• Liaise with payment schemes, banks and processors to resolve cases and escalate high-risk or unresolved matters.

• Escalate complex fraud investigations to management and compliance, providing recommendations for next steps.

• Ensure investigations comply with internal policies, procedures and regulatory standards.

• Contribute to improving fraud detection rules, workflows and scoring models.

• Support reporting activities and participate in refining fraud prevention policies and procedures.

What you bring:

• Experience in fraud detection and prevention within a financial services environment (fintech experience is a plus).

• Knowledge of ecommerce fraud, card-not-present fraud and “friendly fraud.”

• Solid understanding of chargeback rules and payment scheme requirements.

• Strong analytical and investigative skills with excellent attention to detail.

• Ability to identify suspicious activity and make sound, risk-based decisions.

• Excellent written and verbal communication skills for clear documentation and case escalation.

• Confidence to act independently and make recommendations on fraud and chargeback cases.

• Familiarity with fraud monitoring tools such as Threat Metrix or Featurespace.

• A proactive, collaborative and adaptable mindset.

What’s on offer:

• A role at the foundation of a new Sofia-based Financial Crime Operations team.

• Career growth in an international fintech environment.

• The chance to directly safeguard clients and business funds against fraud and chargeback risks.

Apply here.